Commercial Flood

Commercial Flood

Flood Insurance for Commercial Property

IAT Insurance Group offers flood coverage for commercial property through its National Flood Insurance Program Write Your Own carrier, Occidental Fire & Casualty Company of North Carolina. This insurance is fully backed by the National Flood Insurance Program (NFIP) and is offered for Building and Contents. 

The Flood Insurance Program is available in all states except Hawaii. This program is managed by our IAT Flood Insurance office in Bradenton, FL. 

Why Do I Need Flood Insurance for My Business?

Floods are the number one natural disaster in the United States and can be financially devastating for a business. Commercial property insurance does not typically cover the peril of flood – and the average commercial flood claim is roughly $90,000. Without flood insurance, businesses are faced with three choices:

  • Paying recovery costs out of pocket
  • Taking out a loan to cover costs
  • Closing doors and walking away

Following a flood, 25% of businesses that close never reopen.

A commercial flood policy can help protect your business location. It can also protect its physical contents and assets including equipment, fixtures, furniture and inventory. Flood insurance can cover your business, even if there is no federal declaration of disaster.  


Coverage is available up to:

  • $500,000 - Building
  • $500,000 - Contents

For Appointments

To enroll in our flood program, please download and complete the Flood Enrollment Form. Visit our IAT Flood Agent site for additional resources and tools.

For Claims

Phone: 800-759-8656
Fax: 866-528-3252

Contact Us

For questions or inquiries regarding our flood program, please email


Manage My Policy

To manage your policy, please select the Manage My Policy link within the Additional Resources section. Here, policyholders can make payments, report a loss, print policy documents and make mortgagee changes.